Skyrim Investor v1.0
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Changelog
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v1.0 Initial Release.


Instructions
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This is a little mod for the merchant traders of Skyrim!

Whatever their main source of income - crafting, enchanting, alchemy, dungeon delving or something less savoury - the time comes in every wealthy dragonborns life when they have enough gold that they can start using other traders to make money for them.

This is where the Investment Services of the Markarth Treasury House can help you.

Just ask at their counter to open an investment account - the minimum amount of savings required is 1000 gold, but ideally you will have a lot more than that.

Lodge your gold for investing in the safety deposit box on the wall next to the vault doors. You can keep other valuables safe in the deposit box too, but their value won't be counted for investing, only your gold coins will be used. You will need your key to access the deposit box - it is always kept locked.

You can control your investments and view reports on historic route performance using the ledger on the counter in the Treasury House - more instructions are in the guide book given to you when you open your account.

Interest is paid and your reports are updated every Fredas. You can withdraw your savings and interest at any time.

Talking to merchants, traders, and some other people around Skyrim about the trading conditions in different parts of Skyrim will let you predict if the return on a route will rise or fall before the reports come out and your interest is paid the following Fredas. Alternatively, the Treasury House talks to merchants from all over to gather this knowledge for you, and will sell that information to you - for a price! You can pay 100 gold to see their latest reports on trading conditions for that week, but this charge means you will need to be a large investor or doing this will likely eat up all your profits for that week and more.

Adjust how much gold you allocate to each route according to how profitable you think each route is likely to be. Each route behaves differently - some are more volatile than others, some can make you greater returns on a good week, but lose you a lot of money on a bad one. Some are always profitable, but not very. Some are quite stable and will go through longer periods where they are profitable or loss making. Check the monthly and yearly reports on a route and combine these with the what you learn of that weeks trading conditions on the route to get a feel for how you think it will behave next.

Of course, trading conditions can be improved if you help police a route yourself to help make the roads safer.

Also, for a one off fee of 1000 gold, the Treasury House will also sell you a service where you can call for a scribe once a day to deliver your reports and return with your instructions or with more gold or valuables from anywhere in Skyrim.

Having others manage your gold for you means you won't make as much on it as directly trading yourself of course - the traders on the route take their cut, there are middle men to be paid, the wages for the cleaners at the treasury house, and quills aren't free, but with careful shepherding of your investments, you should be able to make 15% to 20% profit year on year. A good trader should be able to double their savings every five years. If you finish adventuring as a young dragonborn with a small nest egg, with a good eye for trading, by the time you retire you could have a fortune worth 500 times as much!

Bugs, suggestions, requests for mod patches, helpful comments to Semley on nexusmods.com.